US20140180967A1 - Design support system for financial products of divisional payment type - Google Patents

Design support system for financial products of divisional payment type Download PDF

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Publication number
US20140180967A1
US20140180967A1 US14/236,151 US201114236151A US2014180967A1 US 20140180967 A1 US20140180967 A1 US 20140180967A1 US 201114236151 A US201114236151 A US 201114236151A US 2014180967 A1 US2014180967 A1 US 2014180967A1
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fpd
investment
information
payment
customer
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Han Yong Cho
Sung Yong Hong
Doo Won Kim
Jin Heung Bae
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Samsung Securities Co Ltd
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Samsung Securities Co Ltd
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Assigned to SAMSUNG SECURITIES CO., LTD. reassignment SAMSUNG SECURITIES CO., LTD. ASSIGNMENT OF ASSIGNORS INTEREST (SEE DOCUMENT FOR DETAILS). Assignors: BAE, JIN HEUNG, CHO, HAN YONG, HONG, SUNG YONG, KIM, DOO WON
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/06—Asset management; Financial planning or analysis

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  • the present disclosure relates to a system for designing a financial product of a divisional payment type (FPD) according to a demand of a customer, and more particularly, to a FPD design supporting system for allowing a FPD sales manager to give FPD design details corresponding to a need of a customer, who is meeting the manager, in real time without any difficulty in order to prevent serious deterioration of FPD business efficiency or FPD sales efficiency in view of a FPD sales manager, a FPD management company and each customer, and also to solve a problem that a desired FPD cannot be invested or possessed rapidly.
  • FPD divisional payment type
  • a FPD sales manager D who takes a charge of selling a FPD 1 at a meeting with a customer C introduces design details 1 a (for example, a product type, an investment period, an available on-term benefit, an available maturity benefit or the like) of each FPD 1 and sells a corresponding FPD 1 to the customer C according to the selection of the customer.
  • design details 1 a for example, a product type, an investment period, an available on-term benefit, an available maturity benefit or the like
  • each FPD 1 introduced to the customer C by the FP sales manager D has a so-called ⁇ fixed product structure> in which the design details 1 a are already fixed before the meeting with the customer C.
  • the customer C frequently proposes his own desired FPD design details (for example, an investment period, an investment principal, a desired payment time and a desired payment amount of a desired on-term benefit, a desired payment amount of a desired maturity benefit, a desired payment time and a desired payment amount of a desired special benefit, or the like)
  • the desired special benefit means an event payment which the customer wishes to specially receive at a desired special benefit payment time according to the customer's circumstances, separately from the desired on-term benefit which is periodically paid (for example, monthly paid)) (for example, the customer may wish to receive 10 million won to prepare the entrance of his child into a university 30 months after the initiation of investment, during the entire investment period of 60 months).
  • each FPD 1 introduced to the customer C by the FPD sales manager D (in this case, the FPD 1 is introduced as, for example, a pamphlet, a booklet, an excel file or the like) has a so-called ⁇ fixed product structure> in which design details 1 a are already fixed before the meeting with the customer C, if the FPD 1 prepared by the FPD sales manager D inevitably covers FPD design details desired by the customer C, the FPD sales manager D may easily perform FPD business activity (FPD sales activity), but if not, the FPD sales manager D cannot perform normal FPD business activity (FPD sales activity) at all.
  • FPD sales activity FPD business activity
  • the FPD sales manager D or the FPD management company should be suffered from serious deterioration of business efficiency or sales efficiency of the FPD 1 , and the customer C should also put up with unexpected financial damage on his asset since the customer C cannot rapidly invest or possess a desired FPD.
  • the present disclosure is directed to providing a system for designing a financial product of a divisional payment type (FPD) according to a demand of a customer, and more particularly, to a FPD design supporting system in which a ⁇ computation module capable of storing and managing FPD relevant information and financial product of a maturity payment type (FPM) relevant information>, a ⁇ computation module capable of receiving desired FPD design information transmitted from a FPD sales manager communication terminal>, a ⁇ computation module capable of reading the received desired FPD design information, then extracting a ⁇ first combination object financial product> having an investment period and a payment time corresponding to an ⁇ investment period> and a ⁇ desired payment time of a desired on-term benefit> recorded in the desired FPD design information from the stored FPD, and extracting a ⁇ second combination object financial product> having an investment period and a payment time corresponding to an ⁇ investment period> and a ⁇ desired payment time of a desired special benefit> recorded in the desired FPD design information from
  • a system for supporting a design process of a financial product of a divisional payment type including: a FPD design supporting control module for communicating with a FPD sales manager communication terminal accessing to an on-line network and operating a financial product information storage module storing FPD relevant information and financial product of a maturity payment type (FPM) relevant information to control a FPD design supporting procedure; a combination object financial product extraction module controlled by the FPD design supporting control module to read desired FPD design information transmitted from the FPD sales manager communication terminal and then search the financial product information storage module to extract a ⁇ first combination object financial product> having an investment period and a payment time corresponding to an ⁇ investment period> and a ⁇ desired payment time of a desired on-term benefit> recorded in the desired FPD design information from the FPD and a ⁇ second combination object financial product> having an investment period and a payment time corresponding to an ⁇ investment period> and a ⁇ desired payment time of a desired special benefit> recorded
  • a ⁇ computation module capable of storing and managing FPD relevant information and financial product of a maturity payment type (FPM) relevant information>, a ⁇ computation module capable of receiving desired FPD design information transmitted from a FPD sales manager communication terminal>, a ⁇ computation module capable of reading the received desired FPD design information, then extracting a ⁇ first combination object financial product> having an investment period and a payment time corresponding to an ⁇ investment period> and a ⁇ desired payment time of a desired on-term benefit> recorded in the desired FPD design information from the stored FPD, and extracting a ⁇ second combination object financial product> having an investment period and a payment time corresponding to an ⁇ investment period> and a ⁇ desired payment time of a desired special benefit> recorded in the desired FPD design information from the stored FPD or FPM>, a ⁇ computation module capable of reading the received desired FPD design information to check an investment principal of a customer and reading the first and second combination object financial products to check an inherent investment profit payment
  • FIG. 1 is a schematic diagram for illustrating an existing FPD selling procedure.
  • FIG. 2 is a schematic diagram showing a FPD design supporting system according to the present disclosure.
  • FIG. 3 is a schematic diagram showing a posted content of a guide frame according to the present disclosure.
  • FIGS. 4 to 7 are schematic diagrams for illustrating detailed functions of the FPD design supporting system according to the present disclosure.
  • a FPD design supporting system a system for supporting a design process of a FPD (hereinafter, referred to as ‘a FPD design supporting system’ according to the present disclosure) will be described in detail with reference to the accompanying drawings.
  • a FPD sales manager D introduces design details 1 a (for example, a product type, an investment period, an available on-term benefit, an available maturity benefit or the like) of each FPD 1 and sells a corresponding FPD 1 to the customer C according to the selection of the customer who have reviewed the same.
  • design details 1 a for example, a product type, an investment period, an available on-term benefit, an available maturity benefit or the like
  • each FPD 1 introduced to the customer C by the FP sales manager D has a so-called ⁇ fixed product structure> in which the design details la are already fixed before the meeting with the customer C.
  • the customer C frequently proposes his own desired FPD design details (for example, an investment period, an investment principal, a desired payment time and a desired payment amount of a desired on-term benefit, a desired payment amount of a desired maturity benefit, a desired payment time and a desired payment amount of a desired special benefit, or the like)
  • the desired special benefit means an event payment which the customer wishes to specially receive at a desired special benefit payment time according to the customer's circumstances, separately from the desired on-term benefit which is periodically paid (for example, monthly paid)) (for example, the customer may wish to receive 10 million won to prepare the entrance of his child into a university 30 months after the initiation of investment, during the entire investment period of 60 months).
  • each FPD 1 introduced to the customer C by the FPD sales manager D (in this case, the FPD 1 is introduced as, for example, a pamphlet, a booklet, an excel file or the like) has a so-called ⁇ fixed product structure> whose design details 1 a are already fixed before the meeting with the customer C, if the FPD 1 prepared by the FPD sales manager D inevitably covers FPD design details desired by the customer C, the FPD sales manager D may easily perform FPD business activity (FPD sales activity), but if not, the FPD sales manager D cannot perform normal FPD business activity (FPD sales activity) at all.
  • FPD sales activity FPD business activity
  • an FPD design supporting system 100 is installed and operated in a communication infrastructure of an on-line network 11 (for example, wire/wireless Internet).
  • an on-line network 11 for example, wire/wireless Internet.
  • the FPD design supporting system 100 includes a FPD design supporting control module 101 communicating with a ⁇ FPD sales manager communication terminal 10 possessed by a FPD sales manager D>, a ⁇ financial product backbone management server 20 for computationally managing FPD, FPM or the like> by means of an on-line network 11 and an interface module 102 to control an overall supporting procedure in relation to a design of the FPD 1 , and also includes an operation assistance module 103 , a guide frame management module 104 , a desired FPD design information receiving module 105 , a combination object financial product extraction module 106 , a financial product information storage module 107 , a FPD payment schedule information generation module 108 , a FPD design data processing module 109 , a designed FPD customer-suitability filtering module 112 , a customer-possessed financial asset rebalancing recommendation module 111 , a designed FPD inherent code endowing module 110 or the like, which are controlled by the FPD design supporting control module 101 and
  • the FPD sales manager communication terminal 10 may be variously selected from, for example, computing devices such as notebook PC, desktop PC or the like, or mobile devices such as a cellular phone, a personal communication service (PCS) phone, a synchronous/asynchronous International Mobile Telecommunication-2000 (IMT-2000), a palm personal computer (PC), a personal digital assistant (PDA), a smart phone, a wireless application protocol (WAP) phone, a play station or the like according to a situation of the FPD sales manager D.
  • computing devices such as notebook PC, desktop PC or the like
  • mobile devices such as a cellular phone, a personal communication service (PCS) phone, a synchronous/asynchronous International Mobile Telecommunication-2000 (IMT-2000), a palm personal computer (PC), a personal digital assistant (PDA), a smart phone, a wireless application protocol (WAP) phone, a play station or the like according to a situation of the FPD sales manager D.
  • computing devices such as notebook PC, desktop PC or the like
  • mobile devices such as
  • the operation assistance module 103 controlled by the FPD design supporting control module 101 stably stores and manages various kinds of operation information, required for performing the FPD design supporting service, for example, registration information of the FPD sales manager D, registration information of the FPD sales manager communication terminal 10 , registration information of the financial product backbone management server 20 , investment pattern information of each customer (information representing an investment pattern of each customer) (for example, a customer A is an investor who pursues stability, a customer B is an investor who bears a moderate risk, a customer C is an aggressive investor or the like), investment risk information of each financial product (information representing a degree of risk of each financial product) (for example, a financial product A is an investment product with a degree of risk of 10, a financial product B is an investment product with a degree of risk of 30, or the like), resource situation information of the system 100 , component information required for performing a computing process of each computation module in the system 100 , character/graphic/setting information for generating a guide frame 200 (see FIG. 3 ) or the like
  • the operation assistance module 103 performs various operation-assisting procedures required for performing the FPD design supporting service, for example a procedure for managing a system logging-in process of the FPD sales manager D, a procedure for establishing and managing a communication session to external computing devices 10 , 20 , a procedure for updating/managing the operation information, or the like.
  • the guide frame management module 104 controlled by the FPD design supporting control module 101 communicates with the operation assistance module 103 to extract character/graphic/setting information for generating a guide frame 200 , then utilizes the extracted character/graphic/setting information to generate the guide frame 200 as shown in FIG. 3 , and transmits the generated guide frame 200 to the FPD sales manager communication terminal 10 so that the guide frame 200 is output and posted through the FPD sales manager communication terminal 10 as shown in FIG. 4 .
  • the financial product information storage module 107 controlled by the FPD design supporting control module 101 stores and manages various relevant information in relation to FPD (for example, product code information, investment period information, investment profit payment time information, investment profit payment schedule information, investment earnings rate information, product risk index information or the like of each FPD), various relevant information in relation to FPM (for example, product code information, investment period information, investment profit payment time information, investment profit payment schedule information, investment earnings rate information, product risk index information or the like of each FPM) in its information storage region.
  • FPD for example, product code information, investment period information, investment profit payment time information, investment profit payment schedule information, investment earnings rate information, product risk index information or the like of each FPM
  • FPM for example, product code information, investment period information, investment profit payment time information, investment profit payment schedule information, investment earnings rate information, product risk index information or the like of each FPM
  • the customer C or the FPD sales manager D performs a computing work by utilizing the guide frame 200 to transmit desired FPD design information of the customer C (for example, investment period information, investment principal information, desired payment time information and desired payment amount information of a desired on-term benefit, desired payment amount information of a desired maturity benefit, desired payment time information and desired payment amount information of a desired special benefit or the like) from the FPD sales manager communication terminal 10
  • the desired FPD design information receiving module 105 controlled by the FPD design supporting control module 101 communicates with the FPD sales manager communication terminal 10 through the interface module 102 to receive corresponding desired FPD design information (for example, investment period information, investment principal information, desired payment time information and desired payment amount information of a desired on-term benefit, desired payment amount information of a desired maturity benefit, desired payment time information and desired payment amount information of a desired special benefit or the like) and temporarily stores the information (see FIG. 4 ).
  • the desired FPD design information may be, for example, ⁇ an investment period: 60 months, an investment principal: 140 million won, a desired payment time of a desired on-term benefit: every month, a desired payment amount of a desired on-term benefit: 1 million won per month, a desired payment time of a desired special benefit 1: 30 months after initiating investment, a desired payment amount of a desired special benefit 1: 10 million won, a desired payment time of a desired special benefit 2: every month from 50 th month to 60 th month after initiating investment, a desired payment amount of a desired special benefit 2: 2 million won per month, a desired payment amount of a desired maturity benefit: 60 million won> or the like (see FIG. 4 ).
  • the combination object financial product extraction module 106 controlled by the FPD design supporting control module 101 communicates with the desired FPD design information receiving module 105 to read the received desired FPD design information (for example, an investment period: 60 months, an investment principal: 140 million won, a desired payment time of a desired on-term benefit: every month, a desired payment amount of a desired on-term benefit: 1 million won per month, a desired payment time of a desired special benefit 1: 30 months after initiating investment, a desired payment amount of a desired special benefit 1: 10 million won, a desired payment time of a desired special benefit 2: every month from 50 th month to 60 th month after initiating investment, a desired payment amount of a desired special benefit 2: 2 million
  • the combination object financial product extraction module 106 communicates with the financial product information storage module 107 and searches the information storage region to extract an ⁇ investment period> and a ⁇ desired payment time of a desired on-term benefit> recorded in the desired FPD design information, and further a ⁇ first combination object financial product> having an investment period and a
  • the combination object financial product extraction module 106 searches various relevant information in relation to FPD (for example, product code information, investment period information, investment profit payment time information, investment profit payment schedule information, investment earnings rate information or the like of each FPD) stored in the financial product information storage module 107 , and extracts FPD 1 (local bond A investment product/monthly payment) having a feature of ⁇ an investment period of 60 months/monthly payment of XX % in comparison to the investment principal/payment of XX % in comparison to the investment principal at the maturity date> as the ⁇ first combination object financial product> (see FIG. 4 ).
  • the combination object financial product extraction module 106 communicates with the financial product information storage module 107 and searches its information storage region again to extract an ⁇ investment period> and a ⁇ desired payment time of a desired special benefit> recorded in the desired FPD design information, and further a ⁇ second combination object financial product> having an investment period and a payment time corresponding to a ⁇ desired payment amount of a desired maturity benefit> or the like from FPD or FPM stored in the corresponding information storage region (in this case, since the second combination object financial product has a relation with the desired special benefit of the customer, during the above procedure,
  • the combination object financial product extraction module 106 searches various relevant information in relation with FPD (for example, product code information, investment period information, investment profit payment time information, investment profit payment schedule information, investment earnings rate information or the like of each FPD) and various relevant information in relation with FPM (for example, product code information, investment period information, investment profit payment time information, investment profit payment schedule information, investment earnings rate information or the like of each FPM), stored in the financial product information storage module 107 , to extract FPM (price-indexed national bond investment product/maturity payment type) having a feature of ⁇ an investment period of 30 months/payment of XX % in comparison to the investment principal at the maturity date> as the ⁇ second combination object financial product> (see FIG. 4 ).
  • FPM price-indexed national bond investment product/maturity payment type
  • the combination object financial product extraction module 106 searches various relevant information in relation to FPD (for example, product code information, investment period information, investment profit payment time information, investment profit payment schedule information, investment earnings rate information or the like of each FPD) and various relevant information in relation to FPM (for example, product code information, investment period information, investment profit payment time information, investment profit payment schedule information, investment earnings rate information or the like of each FPM), stored in the financial product information storage module 107 , to extract FPD 2 (fund C investment product/on-term benefit in later period) having a feature of ⁇ an investment period of 60 months/monthly payment of XX % in comparison to the investment principal at 50 th to
  • FPD 1 local bond A investment product/monthly payment
  • FPM price-indexed national bond investment product/maturity payment type
  • FPD 2 funds C investment product/on-term benefit in later period
  • the FPD payment schedule information generation module 108 simulates the investment principal of the customer according to the inherent investment profit payment schedule of the first and second combination object financial product, thereby generating FPD payment schedule information to which the ⁇ payment time and payment amount of an on-term benefit>, the ⁇ payment time and payment amount of a special benefit>, and the ⁇ payment time and payment amount of a maturity benefit>, expected when the investment principal of the customer is divisionally invested to the first and second combination object financial products, is reflected.
  • the first combination object financial product is FPD 1 (local bond A investment product/monthly payment) having an inherent investment profit payment schedule of ⁇ an investment period of 60 months/monthly payment of XX % in comparison to the investment principal/payment of XX % in comparison to the investment principal at the maturity date>
  • the second combination object financial product is FPM (price-indexed national bond investment product/maturity payment type) having an investment profit payment schedule of ⁇ an investment period of 30 months/payment of XX % in comparison to the investment principal at the maturity date>
  • FPD 2 funds C investment product/on-term benefit in later period
  • the FPD design data processing module 109 controlled by the FPD supporting control module 101 communicates with the combination object financial product extraction module 106 , the FPD payment schedule information generation module 108 or the like to read the first and second combination object financial product and the FPD payment schedule information.
  • the customer C and the FPD sales manager D may easily check a financial product combination in which benefit payments (on-term benefit and special benefit) corresponding to the desired FPD design information are complicatedly combined, and may easily check the FPD payment schedule information having details of, for example, ⁇ if 140 million won of the investment principal is divisionally invested to FPD 1 , FPM and FPD 2 as much as 120 million won, 10 million won and 10 million won, respectively, according to the management of FPD 1 , 1 million won will be paid every month as a bonus amount, and 60 million won and an interest XX will be paid 60 months after initiating the investment.
  • the FPD sales manager D may provide FPD design details corresponding to a need of the customer, who is meeting the manager, in real time without any difficulty, and may also maximize his FPD business efficiency or sales efficiency to an optimal state.
  • the designed FPD customer-suitability filtering module 112 may be further controlled by the FPD design supporting control module 101 in addition to the above computation modules.
  • the designed FPD customer-suitability filtering module 112 controlled by the FPD design supporting control module 101 communicates with the FPD design data processing module 109 and the operation assistance storage module 103 as shown in FIG. 7 to the first and second combination object financial products recorded in the FPD design data 201 with the stored investment pattern information of each customer (information representing an investment pattern of each customer) (for example, a customer A is an investor who pursues stability, a customer B is an investor who bears a moderate risk, a customer C is an aggressive investor or the like), investment risk information of each financial product (information representing a degree of risk of each financial product) (for example, a financial product A is an investment product with a degree of risk of 10 , a financial product B is an investment product with a degree of risk of 30, or the like) or the like, thereby performing a filtering process for checking whether the first and second combination object financial products accord with an investment pattern of the customer.
  • the stored investment pattern information of each customer information representing an investment pattern of each customer
  • a customer A is an investor who pursue
  • the customer-possessed financial asset rebalancing recommendation module 111 controlled by the FPD design supporting control module 101 together with the computation modules described above communicates with the FPD design data processing module 109 and, at the point that the FPD design data 201 is generated, also communicates with the financial product backbone management server 20 through the interface module 102 , the on-line network 11 or the like to search a customer account managed by them, thereby checking details of ⁇ whether the customer who has proposed the desired FPD design information already has a financial product (for example, a financial product having a investment period and a payment time similar to those of the first and second combination object financial products recorded in the FPD design data 201 ) (as a matter of course, this may be a common financial product)>.
  • a financial product for example, a financial product having a investment period and a payment time similar to those of the first and second combination object financial products recorded in the FPD design data 201
  • the customer-possessed financial asset rebalancing recommendation module 111 performs a series of data generating routines to generate ⁇ possessed financial product rebalancing recommendation information> for guiding the customer to obtain an effect similar to an investment to the first and second combination object financial products by rebalancing the corresponding financial product, and then transmits the generated ⁇ possessed financial product rebalancing recommendation information> to the FPD design data processing module 109 .
  • the FPD design data processing module 109 additionally records the ⁇ possessed financial product rebalancing recommendation information> in the FPD design data 201 provided to the FPD sales manager communication terminal 10 , and as a result the FPD sales manager D checking the same through the FPD sales manager communication terminal 10 may guide the corresponding customer C to ⁇ obtain an effect similar to an investment to the first and second combination object financial products by rebalancing the financial product already possessed by the customer> through a consultation with the customer C.
  • the designed FPD inherent code endowing module 110 instantly performs a series of data generating routines to generate an inherent code corresponding to the FPD design data 201 , and endows the generated inherent code to the FPD design data 201 .
  • the FPD sales manager D or the FPD sales company may perform ex post facto management for the FPD (for example, a procedure for registering FPD sales details to the financial product backbone management server 20 , a procedure of investing the investment money of the customer to each investment product according to the FPD sales details, or the like) without any difficulty more reliably.
  • the present disclosure is not limited to specific fields but may give useful effects as a whole in various fields in which accompanied growth is required.
  • a FPD sales manager may FPD design details corresponding to a need of a customer, who is meeting the manager, in real time without any difficulty, and as a result it is possible to prevent serious deterioration of FPD business efficiency or FPD sales efficiency in view of a FPD sales manager, a FPD management company and each customer, and also to solve a problem that a desired FPD cannot be invested or possessed rapidly.

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